that notes that obama's new administration looks to be basically all male. there is a concern that women are underrepresented. how would you respond to that criticism? >> well, i would agree with that somewhat. we saw valerie on the front page. within the white house. she's the only senior woman. i have a lot of respect for her. but it would be nice to see more diversity, both in the cabinet and in the white house. so i hope this is something that they've focused on going forward. with that said, you know, you need to look at qualifications, too, and people that the president has confidence in. but i would like to see more women. perhaps in the white house, internally in the white house. >> sheila, are you joining us on a week where major banks are putting even more legacy problems behind them to some degree? varying degrees. we've seen what the stocks have done in the past year. we've seen them leading things like the dow. are you surprised or impressed by their progress? >> well, i'm relieved. i still think there are a lot of challenges ahead. the mega ban